Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.14% | +0.66 | 0.48% |
| Return on Equity (%) | ▲ | 9.86% | +6.26 | 3.60% |
| Net Interest Margin (%) | ▲ | 4.93% | +0.19 | 4.74% |
| Efficiency Ratio (%) | ▲ | 68.26% | -11.93 | 80.19% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.23 | $0 |
| Cost of Funds (%) | ▼ | 2.00% | +0.26 | 1.74% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $106 | +19.50 | $87 |
| Gross Loans ($M) | ▲ | $83 | +17.14 | $66 |
| Loan Growth YoY (%) | ▼ | 97.13% | -1.28 | 98.41% |
| Total Deposits ($M) | ▲ | $85 | +18.60 | $66 |
| Shareholders Equity ($M) | ▲ | $12 | +0.91 | $11 |
| Tang. Book Value ($M) | ▲ | $10 | +1.22 | $9 |
| Loan / Deposit Ratio (%) | ▼ | 97.13% | -1.28 | 98.41% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 2.74% | -1.35 | 4.08% |
| Allowance / Loans (%) | — | 0.81% | -0.31% | 1.12% |
| Net Charge-Off Ratio (%) | ▲ | 3.36% | -1.83 | 5.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▆▁▂▁▄█▆ | Net Interest Margin (%) | 4.88% | 4.94% | 4.67% | 4.74% | 4.68% | 4.86% | 5.06% | 4.93% |
| ▅▅▁▁▁▄██ | Return on Assets (%) | 0.90% | 0.91% | 0.47% | 0.48% | 0.52% | 0.79% | 1.23% | 1.14% |
| ▄▃███▄▁▁ | Efficiency Ratio (%) | 72.1% | 71.4% | 80.0% | 80.2% | 79.4% | 73.2% | 67.2% | 68.3% |
| ▇▂▁▂█▆██ | Cost of Funds (%) | 1.94% | 1.75% | 1.68% | 1.74% | 1.99% | 1.92% | 1.99% | 2.00% |
| █▄▄█▆▂▁▄ | NPA / Assets (%) | 3.97% | 2.92% | 2.94% | 4.08% | 3.35% | 2.39% | 1.92% | 2.74% |
| █▅▅█▆▂▁▃ | Net Charge-Off Ratio (%) | 5.26% | 4.10% | 3.89% | 5.18% | 4.27% | 2.85% | 2.38% | 3.36% |
| ▁▂▃▃▂▆██ | Tang. Book Value ($M) | $8 | $8 | $9 | $9 | $8 | $9 | $10 | $10 |
| ▁▁▁▄▅▆▇█ | Gross Loans ($M) | $53 | $55 | $56 | $66 | $68 | $75 | $78 | $83 |
| ▁▂▂▁▄▆██ | Total Deposits ($M) | $64 | $68 | $67 | $66 | $72 | $79 | $82 | $85 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 11% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 5% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 16% |